Well aren't we a tolerant bunch? 

I thought of it more as low tolerance for big company nonsense.  

And "that" conversation isn't necessarily a bad one to have, depending on your tolerance for risk.VA has the lowest credit/income/asset standards paired with the best rates & no mortgage insurance, they compensate for this with the highest standards for the property of any traditional mortgage loan program.Depending on your risk tolerance, you may want to actually be willing to spend money putting BS band aids on the home post-appraisal and after you've got your conditional loan approval.

These are simply suggestions and your own risk tolerance will guide your final decision:Slow and Steady: $100K should be more than enough to afford down payments on a couple small multifamily units.

PMI was created so that lenders could offer higher LTVs (which means lower down payments) while still keeping their risk in the deal at tolerable levels. 

Your risk tolerance, and desire to deal with problem tenants will dictate whether you want to invest there.

popmoney.com is free *IF* you can tolerate a 3 day hold from tenant PAY and the deposit to your account.also provides email or txt message when the request was made, which I like.

I am in no way saying that you should do that because I don't know the details of your financials, risk tolerance and a myriad of other nuanced details. 

Deciding where in our area to invest will just have to do with your own goals and risk tolerance.

That may be fine for a homeowner deferring big expenses because they are in the house and tolerant of that choice, but tenants in properties with continuous maintenance calls and poor fixes tend not to remain in place.